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Personal Life Planning

No matter where you are in life, Cairn are here to help you take the next step.

Stages in our financial planning process
The options for working with your Financial Planner

As you will see below there are different stages of the process, and you have choices about how you work with us and how you pay for the services available

Working

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You are likely to be successful in your career/business and thinking about protecting your lifestyle and family, as well as starting to consider options for your retirement.

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Retiring

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You are now in the process of retiring and have more options to consider than were available in the past. You may go part time or stop working completely. The key is having a sustainable level of income sufficient for your needs from all sources.

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Retired

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You are probably fully retired now and receiving your state pension as well as generating income from your pension savings. You may still be leading an active life or starting to slow down either way this is an important time to take stock of your financial situation.

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Stage 1 - Consultation

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Introduction

Identify and agree objectives

Information gathering

Assess attitude to investment risk

Agree remuneration

Agree next steps

Stage 2 - Advice

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Assess objectives

Review existing plans

Research new plans

Devise solution/s to achieve objectives

Make recommendations

Stage 3 - Implementation

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Agree action plan

Complete and process paperwork

Issue of documentation

Stage 4 - Ongoing Service

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Periodic valuations and client contact

Review financial plans, objectives and goals

Re-assess attitude to investment risk

Personal Life Planning
Client Testimonials

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Stage 1 - The Consultation

Introduction
Identify and agree objectives
Information gathering
Assess attitude to investment risk
Agree remuneration
Agree next steps

Following an introduction to your financial planner and information about our services, we will:

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  • Talk to you about your objectives

  • Agree your financial planning priorities and timescales

  • Undertake a detailed discussion to assess your attitude to investment risk, which will help us understand how much investment risk you are willing to take and what is appropriate to meet your objectives

  • Identify areas of your financial planning that may require protecting

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During the course of our discussions we will collect personal and financial information from you to allow a comprehensive understanding of your current financial position. A key part of the financial advice process is deciding what services you would like and to agree how you would like to pay for them. Our commitment to transparency allows you to know exactly how much the service will cost, as we will always clearly explain the charges and fees that apply, prior to you making any decision as to how you wish to proceed.

Stage 1 - Consultation
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Stage 2 - Advice

Assess objectives
Review existing plans
Research new plans
Devise solution/s to achieve objectives
Make recommendations

We will assess your existing arrangements and establish their continuing suitability. We then identify any changes necessary to allow you to meet your objectives in the most effective way.

We will research the market for suitable products in order to meet your objectives and if you are investing monies, devise an investment strategy to match your selected investment risk profile, to ensure that your financial goals are being met.

We will confirm in writing our detailed recommendations on how best to achieve your objectives.

Stage 2 - Advice
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Stage 3 - Implementation

Agree action plan
Complete and process paperwork
Issue of documentation

The implementation stage will put in force the recommendations agreed with you.

We will assist you in the completion of any application forms, process and monitor the progress of them. On completion, you will be provided with the relevant documentation while keeping paperwork to a minimum. We also store your records securely for you.

Stage 3 - Implementaion
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Stage 4 - Ongoing Service

Periodic valuations and client contact
Review financial plans, objectives and goals
Re-assess attitude to investment risk

We aim to build long-lasting, trusted relationships with all our clients to ensure that our recommendations continue to meet your objectives. So that you receive the most appropriate service to suit your needs.

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Ongoing Service

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We provide ongoing advice to ensure that your recommendations remain suitable. This consists of:

 

  • Monitoring of investment strategy

  • Annual face to face reviews

  • Updated projections as appropriate

  • Utilising tax allowances

  • Amendments to your recommendations as appropriate

  • Ad-hoc service as required

Stage 4 - Ongoing Advice

Chartered Status

When you deal with a firm that has been awarded Chartered Financial Planners status, the gold standard of excellence and integrity, it means that you are engaging with proven professionals who are committed to:

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  • An overall standard of excellence

  • Continuing professional development, including attaining the highest qualifications

  • Adherence to an industry standard code of ethics

  • Ensuring that the advice and service provided is of the highest quality


It is only the UK’s premier financial planning firms that qualify for chartered status.

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